AMEX 3X CLI: have I messed it up for myself?

[Anonymous]

Hi all!

I just bought a house back in March with scores in the high 500s. Been rebuilding since then and am now in the high 600s.

I got approved for two AMEXs (everyday and cash magnet) and a discoverIt. Since then, I learned about the shopping cart trick, and got overstock and Wayfair accounts (clearly for the house).ETA: also got an Ikea Projekt card to redo our kitchen. We spent $7k on an 8k card, which is why I wanted to go ahead and app for the chase and amazon cards before that maxed out card showed up on my report.

But last night, my curiosity got the best of me, and I app’s for the chase freedom and amazon store cards. Got denied for both, my first in months. So not only did it suck to get denied, but now I have two useless inquiries on my reports.

That’s a total of like 8 inquiries in the past month. AMEX is going to deny my CLI, aren’t they? I was going to apply for it at the end of August (61 days).

[Anonymous]

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@Anonymous wrote:
Hi all!

I just bought a house back in March with scores in the high 500s. Been rebuilding since then and am now in the high 600s.

I got approved for two AMEXs (everyday and cash magnet) and a discoverIt. Since then, I learned about the shopping cart trick, and got overstock and Wayfair accounts (clearly for the house).ETA: also got an Ikea Projekt card to redo our kitchen. We spent $7k on an 8k card, which is why I wanted to go ahead and app for the chase and amazon cards before that maxed out card showed up on my report.

But last night, my curiosity got the best of me, and I app’s for the chase freedom and amazon store cards. Got denied for both, my first in months. So not only did it suck to get denied, but now I have two useless inquiries on my reports.

That’s a total of like 8 inquiries in the past month. AMEX is going to deny my CLI, aren’t they? I was going to apply for it at the end of August (61 days).

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Well I don't know about AMEX but denial from Chase is due to 5/24 rule which means you should not have opened more than 5 cards in last 24 months and also freedom wants scores 690 and up for approval. 

I joined Amex 30 days back and will be requesting for 3X little after the end of next month. 

[K-in-Boston]

It would be a reach to say that Amex will deny you a CLI for the inquiries, but certainly that combined with all of the others could be reason.  I'd say go for it, you have nothing to lose but having to wait another 91 days to ask again.